Athol-Clinton Co-Operative Ba Mortgage Lending & HMDA Data, 2005
In 2005, Athol-Clinton Co-Operative Ba of Athol, MA reported 236 mortgage applications totaling $35.0 million, down 7% from 2004. The average application was for $148,173, and applicants reported an average income of $59,559. 96% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Worcester, MA (164), Springfield, MA (69) and Essex County, MA (1) (applications in parentheses).
| Mortgage Company & Address | Athol-Clinton Co-Operative Ba 251 Exchange Street Athol, MA 01331 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 236 |
| Total Mortgage Loan Application Amount | $34,969,000 |
| Average Mortgage Loan Application Amount | $148,173 |
| Highest Mortgage Loan Application Amount | $517,000 |
| Average Applicant Income | $59,559 |
| Highest Applicant Income | $373,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Athol-Clinton Co-Operative Ba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Athol-Clinton Co-Operative Ba in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 114 | $20,610,000 | $320,000 | $517,000 | $108,500 | $165,000 |
| Refinancing | 63 | $8,819,000 | $139,000 | $363,000 | $54,000 | $373,000 |
| Home Improvement | 59 | $5,540,000 | $183,500 | $277,000 | $70,000 | $130,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 219 | $32,536,000 | $257,500 | $517,000 | $84,500 | $373,000 |
| Not Provided | 14 | $2,130,000 | $152,000 | $375,000 | $87,000 | $165,000 |
| Asian | 1 | $6,000 | $6,000 | $6,000 | $29,000 | $29,000 |
| Black or African American | 1 | $127,000 | $127,000 | $127,000 | $80,000 | $80,000 |
| Hispanic | 1 | $170,000 | $170,000 | $170,000 | $54,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 236 | $34,969,000 | $257,500 | $517,000 | $89,500 | $373,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 226 | $33,663,000 | $257,500 | $517,000 | $89,000 | $373,000 |
| Application Denied By Financial Institution | 5 | $413,000 | $82,000 | $123,000 | $26,000 | $38,000 |
| Application Withdrawn By Applicant | 5 | $893,000 | $178,000 | $375,000 | $88,000 | $165,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 4 | $313,000 | $78,000 | $123,000 | $25,000 | $38,000 |
| Debt-To-Income Ratio | 1 | $100,000 | $100,000 | $100,000 | $29,000 | $29,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Athol-Clinton Co-Operative Ba's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Athol-Clinton Co-Operative Ba's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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